Lately a new modus operandi for the crimes in the cyber world, shocking the community Indonesia, How no crime was not spelled out new, take advantage of security holes in the ATM, but not the security system is an ATM machine but the omission of the party ATM provider in this case BANK. from the investigation of several interested parties, found that the perpetrators used a scanner and wrote a spy camera. The following are some tips I found from detik.net, at least this can meminimalis crime:

1. Use only the chip card, if you have not provided bank chip card, you must ask for change and do not use for transactions before replaced. Rules of Bank Indonesia (BI) new, since January 2010 the official card and should be used only type of chip cards.

"Only, I have not confirmed whether this rule for credit cards only, or also for atm card? Should have all the cards issued by banks. If abroad, the ATM machine was not willing to accept non-chip cards," said Dita, his calling.

2. Protect the 3 digits code (CVV2) on the back of your card. Except for the authorization of transactions online, the code will never be used for conventional transactions at ATM machines, or on the counter EDC merchants. Close the 3 figures at the back of the card with stickers, whatever cellotape not transparent

3. Change your PIN as often as possible. Simple parameters, when you shave hair, change your socks (for starting the smell), or replace a toothbrush (because it was starting to wrinkle) or each time a check vehicle tire, it is time to replace your ATM card PIN. For example in a gas station, usually there is now an ATM machine, you can change your PIN when purchasing the fuel transaction.

"It's serious, the main enemy of the security problem is human behavior itself, habits, behavior, most break-ins occur because of the exploitation of social weaknesses, so-called social engineering," he said.

4. Never give information and personal data pins used for banking authorization to anyone for any reason, including the bank's customer service, such as mother's maiden name and others. Unless it believes that the procedure to go through. For now a lot of third parties (eg insurance companies) by reason of cooperation with the issuing bank, offering products in telemarketing and you are asked to give this personal information.

"Unfortunately, if it was not from telemarketing, but the syndicates fraud perpetrators, you never know and can not do cross check in this situation," continued Dita.

5. Be careful when receiving an offer from such telemarketing, because usually you have provided consent will be interpreted as a willingness to do auto ebet against your account. This is dangerous, better if less sure, you asked for more time to confirm the correct issuing bank if the bank had a partnership with the telemarketing and how the rules and risks.

"Or you might as well always reject the offer, or simply to know the name of the product and organizers who then actually your own initiative if the interest could be that behind the service providers contacted and asked to be served. This is much safer, although you need the active participation," said Dita.

6. Keep an eye on your card presence in the counter when the merchant, do not let the card be taken anywhere and swiped into a different machine many times. You better cancel the transaction and do not have to sign anything and report to the issuing bank when the suspect with the conditions in a counter merchants.

Friday, January 1, 2010

Allah and His Messenger did not want to pile up and accumulate wealth, and encourage spending and threatens those who do not want to spend it. In Al-Baqarah verse 254: "O ye who believe, spend (of Allah) in part of the sustenance We have given you before the coming days on that day there was no longer trading and no longer intimate friendship and no more intercession. "is spending it. Similarly, in surah Al-Munaafiquun verse 10, "And spend of what We have given you before death comes to one of you; and he said, 'Oh my God, why have you not put off (death) until the time of my close , which causes me to give charity and I am among those pious? ". The Prophet said, "people who own gold and silver, while they do not give rights, then for him on the Day of Resurrection will be erected a stone from the fires of hell are heated in the Hell Fire, and will be ironed with the rock side dibagian, forehead and back. Each was cold, it will be repeated again to be heated. Day is a matter of time where fifty thousand years until the two were tried at the servants of God. Then, only then he knows to be headed the way, either to heaven or to hell. "(Muslim). Any form of property owned by the people, will be the punishment for him on the Day of Resurrection, if not issued Zakah, even though he pulled out due to other types of goods. This hadith contains a threat that is not hard to fulfill the right of punishment to count a very long time.

At one time there was someone who came to the Prophet and said: "O Messenger of Allah, charity is the greatest reward?" he said, "You alms in time you are in good health, and you are in a state of stingy because you feel afraid of the poor and always wanted to be rich. Do you procrastinate until when death has come in the throat you just said, 'To the So and so many, and for the so and so many, and for the so and so's. "(Bukhari). Of these hadith, the Prophet s.a.w. suggested charity in good health and in a state of stingy. This is because a lot of rich people are cheap to remove from what he owns as long as they are in good health; and always willing to eternal forever and they are afraid of being poor. Therefore, if anyone is able to resist and defeat the demons of his soul to get the reward of the Hereafter, verily he is the person who wins. Messenger s.a.w. also advocated for semasih property menginfakkan life, than done when it comes time to come death.

Instead of providing wealth in the way of Allah will be given a reward of paradise. The Word of God: "As for those who give (freely in the way of Allah) and fear and justify the best reward (heaven), then we will indeed make smooth for him the easy way. And as for those who grabber and felt himself quite well as gives the lie to the best, We will indeed make smooth for him (the way) is difficult. And, his wealth is not beneficial to him if he had perished. "(Al-Lail: 10).